How are lates reported???

[Creditobsessed12]

I have a late on an account and it looks like it was removed from my eq report but it is reporting on tu and ex. I think it's a mistake from eq part. Now my question is will the late come back when the creditor reports the account next month? Do they re report all the history again or do they append to the existing history as long as of corse there are no changes. Not sure if that makes sense but hopefully someone understands me! Lol

[RobertEG]

A credtior can choose not to report to any CRAs, to report to all CRAs, or only to selected CRAs. 

When deletion is made with only one CRA, it almost certainly occured because the creditor notified that CRA to delete.

CRAs dont delete on their own unless as a result of their finding of lack of verification in a dispute, or for accunts closed for approx ten years.

If the deletion was voluntarily reported by the creditor, they can, at any time, reinsert their reporting without restriction.

Whether that will occur in subsequent months depends upon the intent of the creditor.

Credit reporting by major creditors is done via computers that normally churn out their reporting based on input criteria.

If the creditor delted manually without notifying their autormated system to then exlcude updating, it is quite possible that it could be reinserted in subsequent months.

However, if the creditor's deletion was clearly intentional, they would also update their automated system to remove from automated updating.

[Creditobsessed12]

I called the creditor and the late is still on their system. It was not removed. I'm so confused. Do you think it will come back?

[RobertEG]

Yes

[Creditobsessed12]

Great

I guess I will wait and see because in the past I had no lates reporting on one for my car loan and it had lates on another and it always remained this way.